TISCX vs. VTIFX
TISCX (TIAA-CREF Social Choice Equity Fund) and VTIFX (Vanguard Total International Bond Index Fund Institutional Shares) are both mutual funds - TISCX is a Large Cap Blend Equities fund managed by TIAA Investments, while VTIFX is a Total Bond Market fund managed by Vanguard. Over the past 10 years, TISCX returned 14.46%/yr vs 1.78%/yr for VTIFX. At a correlation of -0.01, they often move in opposite directions. TISCX charges 0.17%/yr vs 0.07%/yr for VTIFX.
Performance
TISCX vs. VTIFX - Performance Comparison
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Returns By Period
In the year-to-date period, TISCX achieves a 13.71% return, which is significantly higher than VTIFX's 0.67% return. Over the past 10 years, TISCX has outperformed VTIFX with an annualized return of 14.46%, while VTIFX has yielded a comparatively lower 1.78% annualized return.
TISCX
- 1D
- 0.47%
- 1M
- 6.10%
- YTD
- 13.71%
- 6M
- 14.34%
- 1Y
- 26.88%
- 3Y*
- 21.09%
- 5Y*
- 12.07%
- 10Y*
- 14.46%
VTIFX
- 1D
- 0.03%
- 1M
- 0.94%
- YTD
- 0.67%
- 6M
- 0.55%
- 1Y
- 2.21%
- 3Y*
- 4.25%
- 5Y*
- 0.52%
- 10Y*
- 1.78%
TISCX vs. VTIFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TISCX TIAA-CREF Social Choice Equity Fund | 13.71% | 16.51% | 18.23% | 22.53% | -17.80% | 26.54% | 20.34% | 31.55% | -5.74% | 19.01% |
VTIFX Vanguard Total International Bond Index Fund Institutional Shares | 0.67% | 3.02% | 3.91% | 9.04% | -12.89% | -2.20% | 4.59% | 7.89% | 2.99% | 2.43% |
Correlation
The correlation between TISCX and VTIFX is 0.28, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.28 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.19 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.15 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.02 |
Correlation (All Time) Calculated using the full available price history since Jun 5, 2013 | -0.01 |
The correlation between TISCX and VTIFX shifts across timeframes, from -0.01 (all time) to 0.28 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
TISCX vs. VTIFX — Risk / Return Rank
TISCX
VTIFX
TISCX vs. VTIFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Social Choice Equity Fund (TISCX) and Vanguard Total International Bond Index Fund Institutional Shares (VTIFX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| TISCX | VTIFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.44 | ||
| Sortino ratioReturn per unit of downside risk | +1.92 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.14 | +0.25 |
| Calmar ratioReturn relative to maximum drawdown | 3.20 | 0.79 | +2.41 |
| Martin ratioReturn relative to average drawdown | 13.41 | 2.24 | +11.17 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| TISCX | VTIFX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.19 | 0.75 | +1.44 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.63 | 0.12 | +0.51 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.75 | 0.50 | +0.25 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.42 | 0.74 | -0.32 |
Drawdowns
TISCX vs. VTIFX - Drawdown Comparison
The maximum TISCX drawdown since its inception was -54.65%, which is greater than VTIFX's maximum drawdown of -16.07%. Use the drawdown chart below to compare losses from any high point for TISCX and VTIFX.
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Drawdown Indicators
| TISCX | VTIFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -54.65% | -16.07% | -38.58% |
Max Drawdown (1Y)Largest decline over 1 year | -8.76% | -2.88% | -5.88% |
Max Drawdown (3Y)Largest decline over 3 years | -28.29% | -2.88% | -25.41% |
Max Drawdown (5Y)Largest decline over 5 years | -28.29% | -15.75% | -12.54% |
Max Drawdown (10Y)Largest decline over 10 years | -34.89% | -16.07% | -18.82% |
Current DrawdownCurrent decline from peak | 0.00% | -1.19% | +1.19% |
Average DrawdownAverage peak-to-trough decline | -10.09% | -2.97% | -7.12% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.08% | 1.02% | +1.06% |
Volatility
TISCX vs. VTIFX - Volatility Comparison
TIAA-CREF Social Choice Equity Fund (TISCX) has a higher volatility of 3.05% compared to Vanguard Total International Bond Index Fund Institutional Shares (VTIFX) at 1.31%. This indicates that TISCX's price experiences larger fluctuations and is considered to be riskier than VTIFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TISCX | VTIFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.05% | 1.31% | +1.74% |
Volatility (6M)Calculated over the trailing 6-month period | 9.86% | 2.57% | +7.29% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.79% | 3.03% | +9.76% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 19.31% | 4.44% | +14.87% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 19.39% | 3.60% | +15.79% |
TISCX vs. VTIFX - Expense Ratio Comparison
TISCX has a 0.17% expense ratio, which is higher than VTIFX's 0.07% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
TISCX vs. VTIFX - Dividend Comparison
TISCX's dividend yield for the trailing twelve months is around 6.82%, more than VTIFX's 4.51% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TISCX TIAA-CREF Social Choice Equity Fund | 6.82% | 7.75% | 16.74% | 5.64% | 4.99% | 9.46% | 1.38% | 4.84% | 9.85% | 2.38% | 6.84% | 3.51% |
VTIFX Vanguard Total International Bond Index Fund Institutional Shares | 4.51% | 4.40% | 4.38% | 4.60% | 1.52% | 3.73% | 1.12% | 3.42% | 3.03% | 2.29% | 1.84% | 1.68% |
Frequently Asked Questions
TISCX and VTIFX have a correlation of 0.28, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TISCX has higher volatility (3.05%) compared to VTIFX (1.31%). In terms of maximum drawdown, TISCX dropped -54.65% vs VTIFX's -16.07%.
TISCX currently has the higher Sharpe Ratio (2.19 vs 0.75), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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